The journey so far
December 2019
Obtained our general business license from the Bermuda Monetary Authority
December 2020
Became the first commercial insurer in Bermuda to obtain the Innovative Insurer – General Business (IIGB) authorization
March 2020
Issued first insurance policy – D&O/E&O coverage for a blockchain-focused investment firm
December 2021
Secured Financial Stability Rating (FSR) of A, Exceptional from Demotech
April 2022
Launched Relm II — the first multi-currency collateralized reinsurance facility supporting both fiat and digital assets
July 2023
Secured comprehensive treaty reinsurance support across global portfolio
January 2024
Opened Relm office in London, UK
Making a social impact along the way
While our business helps shape the future, our culture has always revolved around making a meaningful impact today. In all of our locations, our people are passionate about social responsibility and making their communities stronger.
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Explore Relm…
Culture & Values
Our vision is to make innovation more resilient. This is the future that everyone at Relm is working towards.
Learn more Learn moreStrength & Stability
As an insurer focusing on innovative industries, building confidence and trust has been fundamental to our success.
Learn more Learn moreBoard & Management
Relm has built a market-leading team of insurance professionals and sector experts.
Learn more Learn moreCareers
Come and unleash your full potential at the cutting edge of insurance.
Learn more Learn moreLatest News & Insights
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Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs
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Relm Insurance MENA and ACX Compliance Publish Guidance for Crypto Firms Navigating VARA Regulations
02/10/2025 - ACX Compliance, the world’s first crypto compliance firm, and Relm Insurance — the leading specialty in…
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Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations
02/05/25 - In 2024, insurance brokers would be hard pressed to find clients who aren’t using a modicum of third-party …
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Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers
01/27/25 - AI cyber security stories have flooded the media since Artificial Intelligence became part of the broader pub…
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Relm Addresses Growing Risk of Crypto Exchange Bankruptcy with Innovative FALTAWEB3 Product Launch
01/21/25 - Relm Insurance (‘Relm’), the leading specialty insurance carrier supporting emerging and innovative indus…
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Redefining Risk: How AI is Changing Liability in the Digital World
01/20/25 - AI risk might not be the first thing that comes to mind when thinking of chat bots or ecommerce automations, …
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Relm Insurance Launches AI Liability Solutions to Address Emerging Risks in the AI Ecosystem
01/14/25 - Relm Insurance (‘Relm’), the leading provider of innovative insurance solutions, is excited to announce t…
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Relm Becomes First Specialty Insurer for Innovative Industries with 50-State MGA, Led by Industry Veteran Keith Lavigne
12/11/24 - Broader Footprint a Pivotal Step in Relm’s Mission to Provide Innovative Insurance in Cutting-Edge Markets.…
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Relm Extends its NOVA Cyber Technology Coverage Beyond Web3 as Client Demand Drives Product Evolution
10/14/24 - Relm’s Successful NOVAWEB3 offering spurs broader roll-out
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Relm Launches Industry First Bitcoin Denominated Insurance Policy for Bitcoin Miners
10/03/24 - Relm Insurance ("Relm"), a leading specialty insurance carrier supporting emerging and innovative sectors, to…
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Frontier Global Underwriting and Relm Insurance Renew Binding Authority Agreement
09/16/24 - Frontier Global Underwriting (“Frontier”) and Relm Insurance (“Relm”) are pleased to announce the ren…
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Relm Retains Space Economy Expert to Remain at Forefront of Emerging Sector
08/28/24 - Relm Insurance ("Relm"), a leading specialty insurance carrier supporting emerging and innovative industries,…
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Relm Taps Web3 Cyber Security Leader CyVers for Comprehensive Suite of Security Measures
Relm Insurance today announced a venture with CyVers, a leading Web3 cybersecurity and threat insights provider, to deli…
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Relm Insurance Expands into the MENA Region
Relm Insurance Ltd., proudly announces its foray into the MENA region through the acquisition of B&F Partners Ltd., now …
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Relm Partners with SideChannel to Enhance Cybersecurity for Clients
Relm Insurance and SideChannel, a prominent provider of cybersecurity services and technology, are thrilled to announce …
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Relm Insurance Launches Difference in Conditions Policy Offering
Side A DIC Responds to Industry Demand for Additional Layer of D&O Liability
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Relm Insurance Launches Employment Practices Coverage to Fill Industry Void
Relm, a leading specialty insurance carrier supporting emerging and innovative industries, today unveiled its Comprehens…
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Relm Insurance Launches Web3 Product Suite
Relm today announced the release of a novel product suite, providing tailored, end-to-end insurance coverage for clients…
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Chris Sinkey, Web3, Tech Executive Joins Relm Insurance as COO
Relm Insurance today announced that Chris Sinkey has joined as Chief Operating Officer, a newly created role.
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Colin James joins Relm as CFO
Bermudian-headquartered Relm Insurance Ltd has appointed Colin James as chief financial officer.
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Home-grown team drives specialty insurer Relm
Insurance boss Joseph Ziolkowski had previously founded two Bahamas-based insurance companies, but when it came time to …
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Insuring Innovation: Joe Ziolkowski on the Native Assets Podcast
Our CEO Joseph Ziolkowski joins the latest episode of the Native Assets podcast, made possible by Native Assets, a digit…
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Creative Insurance for Cutting Edge Industries: Joseph Ziolkowski on the Smart Economy Podcast
In this illuminating episode of the Smart Economy Podcast, our CEO Joseph Ziolkowski offers his unique perspective on th…
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First Mover Asia: Bitcoin Holds Near $25K as Investors Remain Upbeat About Inflation Data, Fed Rate
The largest cryptocurrency by market capitalization was recently trading at $24,936, up about 2% over the past 24 hours.…
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Relm Insurance Announces Strategic Partnership with Cyber Risk Management Firm NetDiligence®
BERMUDA--(BUSINESS WIRE)--Relm Insurance Ltd. (Relm), a specialty insurance carrier serving innovative industries, today…
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Have bitcoin and ether finally turned a corner?
Check out the full article and hear what our CEO Joe had to say on the matter.
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Relm Insurance Announces Fronting Partnership with Trisura Specialty Insurance Company
HAMILTON, Bermuda--(BUSINESS WIRE)--Specialty insurer Relm Insurance Ltd. (“Relm”) today announces an expansion of i…
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The 1st Annual ABIC Community Engagement Award
The Bermudian is proud to partner with the Association of Bermuda International Companies in presenting the inaugural A…
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Understanding RELM’s Class IIGB License
Domiciled in Bermuda, Relm Insurance Ltd. is regulated by the Bermuda Monetary Authority (BMA), which has demonstrated a…
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A Message from Our CEO
Relm is committed to the digital asset space; not just by issuing policies and collecting premiums but also by paying le…
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Relm Insurance announces strategic partnership with CyberCube
Hamilton, Bermuda, November 21, 2022 – Relm Insurance Ltd. (Relm), a market-leading specialty insurance carrier servi…
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Relm Insurance honored as an “Innovative Trailblazer” at Bermuda Tech Summit
HAMILTON, BERM – October 26, 2022 – Relm Insurance, a specialty insurer serving emerging industries, received the h…
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Innovating Captive Insurance
According to Swiss Re, total premiums written worldwide totalled to 6.3 trillion USD in 2019. In 2000, that number was 2…
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Regulatory uncertainty the ‘biggest challenge’ for cryptocurrency insurers
The lack of a clear legal framework surrounding digital assets such as cryptocurrencies, security token offerings and …
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Insurers look to capitalise on rise in cryptocurrency adoption
The emerging insurance market for cryptocurrencies is still very small in terms of premium income but with that most irr…
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Here’s A Wake Up Call for Insurers: Seek Opportunities Presented By Cryptocurrencies Today
Insurers Need to Wake up and Seek Opportunities Presented by Cryptocurrencies
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Relm extends APAC footprint with Frontier partnership
22, June 2022, Frontier Global Underwriting, a specialist financial lines MGA and Lloyd’s of London coverholder, today…
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Relm Bolsters Leadership Team With Addition Of SVP Donavan Burgess
Relm Insurance Ltd. has appointed Donavan Burgess to Senior Vice President – Digital Assets, Cyber and Professional Li…
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Relm CEO Featured in Wall Street Journal
Relm Insurance CEO, Joseph Ziolkowski, recently was featured in a Wall Street Journal article titled “Insurance Provid…
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Leading Global Crypto Insurer Announces Launch of New Crypto-Collateralized Reinsurance Business
Bitcoin Miami, 6th April 2022: Relm, the world’s leading insurance provider to the crypto sector and the first and onl…
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Relm Insurance, Deltec, Delchain and talk ‘Future of Banking’ at FOE Miami Experience
Relm Insurance Ltd, Deltec International Group, along with Delchain Limited were proud sponsors at the FOE Miami l Refr…
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Insurance Post Analysis: How are insurers responding to the rise of cryptocurrencies?
A recent report from Deutsche Bank predicted that cryptocurrency adoption will hit 200 million users by 2030.
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Insurance Day Viewpoint: Insurance Has A Critical Role In the Development of the Crypto-Currency Sector
Digital assets businesses such as cryptocurrency custodians, exchanges and other digital asset services providers are at…